- If about microfinance or inclusive finance, I write about things which I hear, about events I go to, or articles I read. There is a small bias towards mobile payments, alternative delivery channels, and alternative data for credit scoring since I am am very interested in these topics. When I do not blog about interesting topics, I am an impact microfinance investment officer at the European Investment Bank (EIB).
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Category Archives: Allgemein
Online lenders – Threat or promise?!
You might have already heard about Lending Club, Prosper, or OnDeck? In my initial understanding these online lenders offer loans more conveniently and with lower interest rates than a traditional bank, i.e., they provide access to credit to many who often … Continue reading
Posted in Allgemein
Tagged alternative data, consumer protection, credit analysis
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Can the time I spent on Facebook determine my credit score? The birth of a Chinese Lending Club…
…this is at least the hypothesis of China’s largest peer-to-peer lending site. They have rated 50m Chinese consumers for creditworthiness using social networking and computer gaming data. i.e., if you spend a lot of time chatting on social networks or playing computer … Continue reading
Posted in Allgemein
Tagged alternative data, consumer protection, credit analysis, financial education
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My contribution to the Microfinance Barometer 2015! “DFS – what is it? and if yes, how many?”
Ok, ok, ok my article in the Microfinance Barometer is not a blog, but I still thought it might be interesting to feature it here. Digital Financial Services PLUS seem to be THE new thing in our sometimes a little … Continue reading
Posted in Allgemein
Tagged access to finance, digital financial services, financial, impact investing
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Bitcoin! To regulate or not to regulate?!
After having introduced the topic of “bitcoin” and how it could potentially relate to microfinance or support digital finance in developing countries (I am still not convinced, but am happy to be convinced otherwise), I now want to let you … Continue reading
Posted in Allgemein
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As excited about alternative data?
As you might remember, I wrote two blogs about alternative data, as an effective way to better score people with no or only a small credit history. One was “Psychometrics in credit Analysis – threat or promise?” where I reflect on … Continue reading
Posted in Allgemein
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The 2015 Financial and Digital Inclusion Project Report – Are commitments enough?
We all know that an increasing number of developing countries are committing towards clear goals with regards to financial inclusion. For example, in May 2015, 54 institutions across 61 countries have signed the Maya Declaration on Financial Inclusion proving their recognition … Continue reading
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Bitcoin – What is it and if yes, how many?
I normally write about microfinance, but I guess we have to go with new trends and new developments. Bitcoin is definitely one very new, innovative, and potentially even tension-generating development in the global payment industry. This is primarily an introduction … Continue reading
Posted in Allgemein
Tagged access to finance, bitcoin, digital financial services
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My contribution to the MicroSave Blog on Digital Finance in DRC:
Please find below a blog which I wrote for the MicroSave blog on digital financial Services (DFS) in the DRC. I was and still am very excited to have been offered the opportunity to contribute to the MicroSave blog which I … Continue reading
The customer experience – making or breaking your DFS Business model!
It sounds obvious that people using digital financial services (DFS) will stop using the services if their confirmation sms does not arrive, if they do not know if their money has been transferred or their utility bill has been paid. … Continue reading
Posted in Allgemein
Tagged banking agents, chal, consumer protection, digital financial services
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Cash is “coined freedom” for Germans
This citation by Fjodor Michailowitsch Dostojewski is very much in line with Germans resilience to move towards electronic payments. I was already wandering why electronic payments were always such a hassle in Germany. Small retail transactions are almost never (only … Continue reading
Posted in Allgemein
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